FY2027 Small Area FMR · Roff, OK
ZIP 74865 Fair Market Rent & Payment Standards
HUD's FY2027 Small Area Fair Market Rent for a two-bedroom home in ZIP code 74865 (Roff, OK) is $920 a month, down 2.1% from FY2026. That is 0% equal to the Garvin County, OK area-wide FMR of $916.
Payment standard range, 2 bedrooms
Housing agencies may set voucher payment standards anywhere from 90% to 110% of the FMR without asking HUD.
FY2027 FY2026
Where 74865 sits in the Garvin County, OK area
Of the 17 ZIP codes HUD lists for the area, 74865 has the 14th highest two-bedroom Small Area FMR. Garvin County, OK is not on HUD's list of mandatory Small Area FMR areas, so voucher payment standards here are normally based on the area-wide FMR of $916 for two bedrooms; an agency that opts in to Small Area FMRs would use $920 for this ZIP code instead.
ZIP code 74865 crosses more than one HUD area. HUD also lists it under Murray County, OK (same figures) and Pontotoc County, OK (same figures). The figure that applies depends on which side of the line the home is.
All unit sizes
| Unit | FY2027 SAFMR | Payment standard range | Area-wide FMR | FY2026 SAFMR |
|---|---|---|---|---|
| Studio | $660 | $594 – $726 | $696 | $670 |
| 1 bedroom | $700 | $630 – $770 | $700 | $710 |
| 2 bedrooms | $920 | $828 – $1,012 | $916 | $940 |
| 3 bedrooms | $1,140 | $1,026 – $1,254 | $1,214 | $1,160 |
| 4 bedrooms | $1,390 | $1,251 – $1,529 | $1,505 | $1,360 |
A household renting a two-bedroom home at the Small Area FMR of $920 needs about $36,800 a year to keep housing costs at 30% of income. The area median family income is $75,600 and the 80% low-income limit for four people is $60,700. ZIP code 74865 lies mainly in Pontotoc County, Murray County and Garvin County. See the Garvin County, OK county page for the full income limits table and the household check.
Nearby ZIP codes
Questions
What is the Fair Market Rent for ZIP code 74865?
HUD's FY2027 Small Area Fair Market Rents for 74865 are $660 (studio), $700 (1 BR), $920 (2 BR), $1,140 (3 BR) and $1,390 (4 BR) a month.
What is the Section 8 payment standard in 74865?
Housing agencies set payment standards between 90% and 110% of the applicable FMR without HUD approval. For a two-bedroom unit in 74865 that range is $828 to $1,012 if the agency uses Small Area FMRs. Ask your housing agency for its actual payment standard.
Which income limits apply in 74865?
The FY2026 income limits of the Garvin County, OK area apply: median family income $75,600, low-income (80%) limit $60,700 for a family of four.